Mutual Savings
Birmingham, AL · Charter 60501 · Peer group: credit unions under $1B in assets in the Birmingham, AL area (n=29)
NCUA · 7 branches
Q2 2026
$242.8MAssets
$146.0MLoans
$214.0MShares
$22.0MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 86% of credit unions under $1B in assets in the Birmingham, AL area (rank 5 of 29).
- Widest gap: equity / assets trails 90% of credit unions under $1B in assets in the Birmingham, AL area (rank 26 of 29).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.26%
Rank 22 of 29
Net Interest Margin
3.41%
Rank 20 of 29
Efficiency Ratio
91.48%
Rank 24 of 29
Equity / Assets
9.06%
Rank 26 of 29
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.26% | 0.26% | 0.65% | 1.06% | Beats 24% | 22 / 29 | |
| Return on Equity | 2.82% | 2.33% | 4.15% | 7.02% | Beats 31% | 20 / 29 | |
| Net Interest Margin | 3.41% | 3.29% | 3.80% | 4.67% | Beats 31% | 20 / 29 | |
| Efficiency Ratio | 91.48% | 67.71% | 81.00% | 89.29% | Beats 21% | 24 / 29 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.19% | 0.40% | 1.03% | 1.72% | Beats 86% | 5 / 29 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.06% | 10.13% | 13.97% | 19.12% | Beats 10% | 26 / 29 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.06% | 10.13% | 13.97% | 19.12% | Beats 10% | 26 / 29 | |
| Liquidity & Funding |
| Loans / Deposits | 68.24% | 40.72% | 55.53% | 68.24% | 72nd pctl | 8 / 29 | |
| Loans / Assets | 60.14% | 35.46% | 45.52% | 58.70% | 76th pctl | 7 / 29 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |